Preheat oven to 350 degrees. Spray a 9 x 13 baking dish with non-stick cooking spray. Set aside.
In a large skillet over medium high heat saute onion and bell pepper with 1 TBS cooking oil until softened. Season with salt & pepper. Add in ground beef and cook until no longer pink. Drain excess grease.
Stir in enchilada sauce, green chilies, cream cheese and taco seasoning. Turn off heat.
In a prepared baking dish layer 1/2 of the bag of Fritos evenly on bottom. Place 1/2 of the meat mixture evenly over the Fritos. Sprinkle 1/2 of the cheese over the meat mixture.
Repeat layers of Fritos, meat mixture and cheese.
Place in preheated oven for 15-20 minutes until cheese has melted and is golden brown.Allow to cool for 5 minutes before serving. Serve with lettuce, tomatoes, sour cream, cilantro and/or salsa as desired.